Senior Middle-Market Credit Underwriter

NBMBAA; San Francisco (CA); Vor Ort; USD 89.000 - 188.000; Vollzeit

Benefits dieser Stelle

Competitive benefits

Discretionary incentive plan

Zusammenfassung

Bank of America in San Francisco is seeking an Underwriter for the Global Commercial Banking credit team to underwrite loans for middle-market companies across a broad range of industries within the San Francisco / Greater Bay Area market. You will analyze lending opportunities and perform ongoing portfolio monitoring in partnership with Relationship Management and product teams.

Responsibilities include developing debt financing solutions, structuring loans, modeling cash flows, and ensuring

Qualifikationen

• BA/BS degree required.
• 3 to 10 years of Commercial Banking underwriting experience.
• Proficiency in accounting principles, financial statement analysis and financial modeling.
• Solid foundation in credit analysis, including evaluation of business risk, industry trends and capital structures.
• Understanding of credit documentation, including term sheets, credit agreements and ancillary agreements.
• Strong written and verbal communication skills.
• Unwavering attention to detail and accuracy.
• Ability to work in a fast paced, deadline driven environment.
• Ability to juggle and prioritize multiple transactions and responsibilities at a time.

Aufgaben

• Partner with credit teammates, relationship management and product teams to develop strategic debt financing solutions
• Employ credit and accounting knowledge to structure bilateral and syndicated loans aligned with client needs and bank risk parameters
• Analyze ancillary credit exposure for treasury, rates and foreign exchange products
• Perform due diligence and dynamic risk assessments of borrowers, industries and transactions
• Create credit approval packages and own the credit approval process from initiation through final decision
• Construct detailed financial cash flow and repayment models, including sensitivity analyses
• Complete enterprise value (discounted cash flow), pricing, returns and risk rating models
• Ensure adherence to regulatory and internal policies and procedures
• Exercise approval authority for certain credit actions
• Present well supported opportunities to credit and risk leadership
• Partner with internal and external legal partners to complete loan documentation
• Oversee quarterly monitoring exercises and requirements

Kenntnisse

Attention to Detail

Credit and Risk Assessment

Financial Analysis

Underwriting

Written Communications

Analytical Thinking

Financial Forecasting

Loan Structuring

Collaboration

Prioritization

Ausbildung

BA/BS degree

Jobbeschreibung

Bank of America in San Francisco is seeking an Underwriter for the Global Commercial Banking credit team to underwrite loans for middle-market companies across a broad range of industries within the San Francisco / Greater Bay Area market. You will analyze lending opportunities and perform ongoing portfolio monitoring in partnership with Relationship Management and product teams.

Responsibilities include developing debt financing solutions, structuring loans, modeling cash flows, and ensuring